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Firm Résumé


Cummisford, Acevedo & Associates, LLC

Admitted to practice in the state circuit courts of all 72 counties throughout Wisconsin, the United States Bankruptcy Courts for the Eastern and Western Districts of Wisconsin, the U. S. District Courts for the Eastern and Western Districts of Wisconsin, and the U. S. District Court for the Northern District of Illinois.

Mark R. Cummisford and Michael Acevedo have a vast array of experience in the overall mortgage banking, servicing, and real estate industries with a focus on creditor rights and default servicing, including bankruptcy, foreclosure, contested and litigated foreclosures, loss mitigation, eviction, title claims, REO closing, and real estate transactional work.  Additional areas of significant experience include management and in-house counsel oversight of compliance, contract recovery, correspondent lending, credit risk, default servicing management, default litigation, foreclosure, mortgage banking and servicing, risk management, and repurchases.



Mark R. Cummisford

Juris Doctorate, Marquette University Law School, Milwaukee, Wisconsin  2001

Graduate Certificate in Dispute Resolution, Marquette University, Milwaukee, Wisconsin  2002


Michael Acevedo

Juris Doctorate, University of Wisconsin, Madison, Wisconsin  1995

C.S.S Management, Harvard University  1993



Mark R. Cummisford

Cummisford, Acevedo & Associates, LLC- Oak Creek, Wisconsin   2/1/07 - Present

Attorney/Founding Partner

Creditor rights law firm representing mortgage bankers, lenders, and servicers in foreclosure, bankruptcy, litigation, loss mitigation, eviction, and REO closings. 

Washington Mutual Bank - Milwaukee, Wisconsin  2/1/03 - 1/31/07

Vice-President/Credit Operations Manager/Contract Administration-Recourse and Recovery  (2005 - 2007)

Created and managed recovery operation, which administered more than $500MM plus of contract administration involving operational, credit risk, and market exposure.  Hired and managed staff of exempt professional employees to identify, negotiate, and resolve contractual, breach of contract, and legal issues affecting all divisions and to reduce and eliminate credit and operational risk exposure.  Negotiated and recovered nearly $100MM in 2005/2006 and resolved more than $300 MM in credit risk.

Assistant Vice-President/Manager-Default/Asset Recovery/Foreclosure/Loss Prevention  (2003-2005)

Managed two national default servicing vendors, which included oversight of default/foreclosure operation processing more than 30,000 foreclosures annually and more than 1,800 contested and litigated foreclosure cases.  Resolved more than 1,500 contested and litigated foreclosure cases.

Real Estate Attorney, Brookfield, Wisconsin  2002 - 2003

Managed all contested and litigated real estate mortgage foreclosure cases for Wisconsin law firm, which represented large nationwide mortgage banking and mortgage lending companies.  Filed more than 400 mortgage foreclosure lawsuits in Wisconsin and drafted legal pleadings and other legal documents from collections, default, breach, and acceleration, through foreclosure, bankruptcy, and REO. Negotiated settlements and resolved contested and litigated files and title claims.  Coordinated and closed post-foreclosure REO sale transactions for major mortgage lenders and servicers.

Real Estate Broker/Owner/Manager, Milwaukee, Wisconsin   1986 - 2002

Established, owned, and managed a closely held subchapter S corporation (real estate brokerage).  Served customers and represented clients in legal and real estate agency relationships and marketed real property.  Clients included private parties, companies, public entities, and governmental agencies, including HUD, V.A., U. S. Marshall Service, and Resolution Trust Corporation ("RTC").  Elected to two three-year terms on Board of Directors for a 6,000 member organization and served as hearing panel member and chairperson to arbitrate professional disputes and resolve ethics complaints. 


Michael Acevedo

Cummisford, Acevedo & Associates, LLC  - Oak Creek, Wisconsin   7/1/07 - Present


Creditor rights law firm representing mortgage bankers, lenders, and servicers in foreclosure, bankruptcy, litigation, loss mitigation, eviction, and REO closings. 

USA Funding Corp. - Brookfield, Wisconsin  1998-2007

Corporate Counsel and Secretary

Provided legal advice to management on state and federal mortgage lending and consumer finance laws, including FHA, Federal VA and State VA regulations.  Responded to and initiated mortgage loan repurchase requests.  Reviewed all contracts, leases, and agreements from both the legal and business perspective for accuracy and ramifications.  Acted as point person with state regulators on audits and consumer grievances, and with inquiries from FHA, VA, Fannie Mae and Freddie Mac.

Associates Financial - Milwaukee, Wisconsin  1997-1998

Financial Representative

Originated personal, automobile, and mortgage loans for Wisconsin consumers. 



Oak Creek Kiwanis Club  2007-2015 (Michael Acevedo)

Southeast Wisconsin Baseball Booster Club, Inc. 2012-2015 (Mark Cummisford, Founder and President/Secretary)

Adjunct Professor, Real Estate Conveyance, Marquette University Law School  2003

Graduate Teaching Assistant, Alternative Dispute Resolution, Marquette Law School   2001

Student Mediator, Milwaukee County Small Claims Court, Mediation Clinic  2001

Board of Directors, Greater Milwaukee Association of Realtors ("GMAR")  1999-2004

Board of Directors, Hope House (Milwaukee) 1998-1999.

Fundraising Committee, Hope House, 1997-1999.

Professional Standards Committee, Membership Committee, and Grievance Committee  1988-2008



Licensed Wisconsin Attorney, Member of Wisconsin State Bar Association  2002-2015

Licensed Wisconsin Real Estate Broker, 1986 - 2015

Member of NAR, WRA, and GMAR  1986-2012


Best in State (Wisconsin) - Fidelity National Foreclosure Solutions

Elite Club Award - Washington Mutual Home Loans - Operational Excellence (Credit Risk)  2005

Summit Club Award- Washington Mutual Home Loans - Management Excellence (Loan servicing)  2003



Advising Clients Facing Foreclosure, Wisconsin Lawyer, December 2007.

Resolving Fee Disputes and Legal Malpractice Claims Using ADR, Marquette Law Review, Vol. 85, No 4,  2002